What Auto Insurance Means to You

There are more cars on the road each year. As this number increases, the chances of a car wreck will also increase. If you get in a car wreck, the car insurance you have can make a big difference in how much you have to pay. So how do you know what insurance you need and how much to purchase? Insurance requirements vary by state/province, but usually include the following: Liability: Liability pays for the expenses you are responsible for in a car accident, including property damage and injury. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to car repair costs and loss of property use. If you are in legal trouble, it also pays your defense and court costs. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated varieties. Personal Injury Protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance may also cover lost earnings, replacement of services and funeral costs. The minimum amount of personal injury protection is usually set by the state. Medical Payments: Medical payment coverage is available in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If you purchase this type of coverage, you will receive payment for all types of medical and funeral costs. Collision: This pays for damages to your vehicle caused by an accident. Comprehensive: This type of insurance takes care of all non-collision damages. This could include weather damage, vandalism, and robbery. Uninsured Motorist: Many drivers are breaking the law by driving without owning the proper amount of auto insurance. This type of coverage will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Many drivers have liability insurance that can't cover all the expenses they are supposed to take care of. This type of insurance protects you from those drivers. Other types of coverage, including emergency road service and car rental, are also available. What you pay for auto insurance varies by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Whether or not you have been in an accident * Your age, sex and marital status * The place where you live Some have come to think of auto insurance as a necessary evil, but it can truly save you from a financial disaster. Review your needs, do your research , and with the guidance of your insurance agency, make the decision that best suits you. Golf Cart Insurance Clermont